You might be able to use the photoshop, depending on the features, but I wouldn't use paint and certaintly not word.
You could download GIMP at
www.gimp.org . It's pretty much like photoshop (true photoshop, not the album starter like you have) but it's free!

The learning curve is pretty steep, but it will do just about anything you want to an image and there are lots of good tutorials out there (you can use most photoshop tutorials as well).